Braemar vs Mittagong, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Braemar and Mittagong are both Wingecarribee rates (OLG suburbs, sitting 91.7 km and 93.3 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Braemar runs $320 a year cheaper than Mittagong, driven mostly by home insurance. Over 10 years at 3% growth that gap compounds to about $3,668.
Over 10 years the gap between these two is about $3,700, about $7 a week, and most of it is the AI-estimated insurance line.
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Mittagong
Annual cost breakdown
| Category | Braemar | Mittagong | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $2,140 | $2,140 | - |
| Water & sewerage Estimated | $1,300 | $1,300 | - |
| Commute (driving) Modelled, 2026-27 | $4,005 | $4,075 | -$70 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $1,300 | $1,550 | -$250 |
| Body corporate (unit) Estimated | $1,800 | $1,800 | - |
| Total (driving) | $8,745 | $9,065 | -$320 |
| Total (public transport) | $7,140 | $7,390 | -$250 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Braemar | Mittagong | Difference |
|---|---|---|---|
| House | $2,720 | $2,720 | - |
| Unit | $2,209 | $2,209 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2026-27 regulated prices for each suburb's electricity network, including supply charge (AER Default Market Offer caps, or the QCA price in regional Queensland; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown, Braemar vs Mittagong (2026-27)
What the numbers show
Braemar and Mittagong differ by $320 a year by car, but $250 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $70, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $250 per year.
On public transport the gap is $250 per year, $7,140 from Braemar versus $7,390 from Mittagong.
Where the difference actually comes from
- Council rates is identical at $2,140 a year.
- Water and sewerage is identical at $1,300 a year.
- Driving commute favours Braemar by $70 a year, $4,005 against $4,075.
- Building insurance favours Braemar by $250 a year, $1,300 against $1,550.
Both suburbs sit in the same council area, so the rates line is identical and none of the difference between them comes from council. What separates them is commute distance and the insurance band.
Fire risk is rated medium in Mittagong against low in Braemar, which feeds the insurance estimate. The catchment state school scores 5.8 in Mittagong against 4.8 in Braemar, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Braemar cumulative | Mittagong cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,745 | $9,065 | $320 |
| Year 3 | $27,030 | $28,019 | $989 |
| Year 5 | $46,428 | $48,127 | $1,699 |
| Year 10 | $100,252 | $103,920 | $3,668 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Braemar or Mittagong cheaper to live in?
Neither is named cheaper. Braemar runs $8,745 a year by car and Mittagong $9,065, but most of the $320 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $70. Source: SuburbCost 2026 data.
What are council rates in Braemar and Mittagong?
Annual council rates for a house are $2,140 in Braemar (Wingecarribee rates (OLG) and $2,140 in Mittagong (Wingecarribee rates (OLG). Water and sewerage adds $1,300 in Braemar and $1,300 in Mittagong. Both figures are the average residential rate reported to the Office of Local Government, uplifted by each council's IPART rate peg.
How does the commute cost compare between Braemar and Mittagong?
Annual driving commute costs are $4,005 from Braemar and $4,075 from Mittagong to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Braemar and $2,400 from Mittagong.
What is the 10-year cost difference between Braemar and Mittagong?
At 3% annual cost growth, Braemar costs a cumulative $100,252 and Mittagong costs $103,920 over 10 years by car. The cumulative difference is $3,668 in favour of Braemar. Excludes purchase price, mortgage, and personal expenses.
Which of Braemar and Mittagong suits you better?
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Sources: Wingecarribee rates (OLG and Wingecarribee rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.